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their settlement agreements including the method of calculating the agreements and whether it is tax deductible and so on and the disclosure would be required up front at the time this is announced. now the fed doesn't have to wait for congress to do that, you could voluntarily adopt that public disclosure now. will you do that? >> i agree with you, it is important for us to disclose more and to disclose as much as we can. and we'll look at that very carefully and try to provide for mfgs. >> so in principal we're talking about more disclosure here. >> correct. >> i think this is really important because this is about accountability. we want to hold our financial institutions accountable but it means accountability for our regulatory -- >> i agree. >> and i want to follow up onp senator brown's question about too big to fail. you said we have made significant progress but much work remains to be done and i agree. but since the financial crisis in 2008, the five largest financial institutions are 38% larger than they were back then. so my question is, what evidence would you need to see before yo
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